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Moving forward and upwards
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It’s definitely the location first and the property second for me. Food plans sound 😋 Good luck for the butchers competition 🤞0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p12 -
Yep I'm with Phil and Kirsty too
Love the food plan.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720252 -
Thanks Skinty and DIAIt's awkward trying to figure out the right property to ensure it meets my needs now and in the future as it will be the last one purchased.
Had the soup and bread, pudding was tinned pears and tinned milk, got a very full belly!
£175 in the bank, £60 earmarked for food and petrol, the rest is charity donation, car payment and bank fee. 10 days until payday.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Property sounds interestingAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253 -
It's a nice one SH, I'll just have to keep looking until I'm ready.
Plans for this week are update my CV and retain my sanity.
Weather is glorious, warmth on my face and arms as I drive home. I'll be switching the last of my GCH timer off later.
Mortgage started 2020, aiming to clear 31/12/2029.3 -
I hope a similar lovely property comes up when it’s the right time. The weather forecaster last night said it’s going to be back to cold wintry showers next week 😕0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p13 -
Thanks Skinty, just checked my 'home' weather and it's about 8° next week, this week it's supposed to reach 15°; slightly cooler at my work.
There's bound to be something gorgeous when I'm looking and hopefully things will have calmed by then.Mortgage started 2020, aiming to clear 31/12/2029.2 -
I did buy fishcakes today, together with scones my usual bread, spent under £13.50.
Popped into the local shop after getting my meds this evening, spent under £8; got reduced price veg, garlic naans and lots of chicken breasts, special offer chocolate, large bottle of mayo and large yoghurt.
In other news, TomBo has been offered, and accepted, a position in a different department. It should be less stressful. The bus is door to door and there'll be minimal impact on our lives / time together.
The carnations are still looking pretty and lasting well.
Roll on the weekend as I'm wiped out!Mortgage started 2020, aiming to clear 31/12/2029.4 -
That’s great news about tombos job 😁 what a relief for you. Spends look good you got a lot for £8. I read large bottle of mayo as large bottle of wine 😆0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p14 -
Thanks Skinty, it's as good as a bottle of plonk as I still don't drink!
It is a relief as I can continue saving hard and also keep my eye open for a better role.Mortgage started 2020, aiming to clear 31/12/2029.5
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